20 cards ranked
Best credit card to use at Straight Talk.
Cell Phone ProvidersPhone
Straight Talk is a no-contract prepaid wireless brand that runs on the Verizon, AT&T, and T-Mobile networks, sold heavily through Walmart stores and online at flat monthly rates with no credit check required. It has no co-brand credit card. Because it is a prepaid carrier, the strongest play is a card that earns an elevated rate on phone bills or cell phone providers, or, if paying inside a Walmart store, whatever category that specific purchase falls under on a general spending card.
- #1Chase5% on phone (up to $25,000/year, then 1%)Phone services; combined $25,000/year cap with office supplies and internet/cable services; 1% thereafter5%
- #2US Bank Cash+ Visa Signatureif you select itU.S. Bank5% on cell phone providers if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #3American Express Business Goldif it’s your top categoryAmerican Express4x points on phone if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)Automatically on your top 2 spending categories each billing cycle from 6 eligible (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com.4.8%4x points
- #4World of Hyatt Businessif it’s your top categoryChase2x points on phone if it's your top eligible spend category that cycleAutomatically 2x total in your top three spend categories each calendar quarter, from dining, shipping, airline tickets bought directly with the airline, local transit and commuting, social media and search engine advertising, car rental agencies, gas stations, and internet/cable/phone services4.0%2x points
- #53.5%5x points
- #63.0%3x points
- #73%
- #8American Express4x points on phoneWireless telephone services purchased directly from U.S. providers2.8%4x points
- #9Chase2x points on phoneInternet, cable, and phone services, plus social media and search engine advertising2.6%2x points
- #102.1%3x points
- #11Citi2x points on phoneTelecommunications merchants, cable, and satellite providers2.0%2x points
- #122%
- #132%
- #14First Electronic Bank2% flat-rate cashbackTiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.2%
- #15Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #16American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #172%
- #182%
- #19Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #202%
Last updated July 28, 2026